For those that say "never".... how do you give money, say, to a school for dues? Or pay rent? Or, for those in that situation, pay your share of expenses to an ex? I'm not giving any of those people electronic "insight" into my accounts. That may be the "old man (get off my LAWN!) side of me talking, but if I owe my ex $200 for insurance for my kid, BOOM, I'm writing a check.
I've got my landlady set up as a payee in my bank's bill pay portal. Around the 27th of each month I schedule a payment for her (I schedule all of my payments manually). The bank mails a paper check to her the next day. Around the 10th or so she deposits it and a scan shows up in my account details. It's really no different than the paper checks you write and mail to the ex, except I don't have to write and mail it.
In my case it's all pretty straight-forward. Utilities and any other regular payments that won't incur a service fee bill to a credit card so I get the points/miles. All credit card companies will allow you to set your own due date, so I can pay them at the same time I pay my rent. Paying my bills each month takes all of five minutes, and I've got spreadsheets showing all of my activity, and the bank maintains electronic records, as well.